This plain-English guide to decide if Chapter 13 is right for you and to learn how to keep valuable property and discharge your unsecured debts.

Chapter 13 legal concepts, procedures, and monetary calculations can be tricky. Nolo’s Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law so you can:

. consider alternatives to bankruptcy
. decide which is better for you — Chapter 7 or Chapter 13
. determine if you qualify for Chapter 13
. understand bankruptcy’s automatic stay
. learn how Chapter 13 can help avoid foreclosure
. find out if you can reduce your car loan balance, or the balance on other secured debts
. determine if you can strip second mortgages or home equity lines from your home
. calculate (with forms and step-by-step instructions) whether you have enough income to propose a repayment plan that will meet legal requirements
. calculate the amount of your monthly plan payment
. find and work effectively with an excellent lawyer, and
. rebuild your credit after bankruptcy

This newest edition includes new information on hiring and working with a lawyer, recent U.S. Supreme Court and other federal court decisions interpreting bankruptcy law, the latest bankruptcy exemption laws in your state, and recent IRS standard expense amounts (which play a role in plan payments).

This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. See Nolo’s How to File for Chapter 7 Bankruptcy.

In this hilarious account of a debt collection agency, the reader is introduced to five categories of excuses debtor’s use to escape paying their bills. Phone dialogue and excerpts from letters are included. Gould describes a possible scenario how the collection industry began with the cave men. A brief history from antiquity through Irish Brehon Law to modern practices culminates with the Federal Fair Debt Collection Practices Act. In 1988, Gerry Gould was named Instructor of the Year by the Association for Credit and Collection Professionals (ACA) International. The rich history of the ACA is highlighted throughout the book. Having an entertaining way of telling a story and teaching that enamored him to his students and fellow professional debt collectors, Gerry’s book is a must read for anyone touched by this industry — collectors, doctors, whom his Royal Collection Agency represented, and yes, even debtors. This is the second book B.B. Gould wrote based on Gerry’s motivational writings. GG’s Principle: Three Steps to Empower You in Any Situation was published in 2011.

In Africa’s Odious Debts, Boyce and Ndikumana reveal the shocking fact that, contrary to the popular perception of Africa being a drain on the financial resources of the West, the continent is actually a net creditor to the rest of the world. The extent of capital flight from sub-Saharan Africa is remarkable: more than $700 billion in the past four decades. But Africa’s foreign assets remain private and hidden, while its foreign debts are public, owed by the people of Africa through their governments.

Léonce Ndikumana and James K. Boyce reveal the intimate links between foreign loans and capital flight. More than half of the money borrowed by African governments in recent decades departed in the same year, with a significant portion of it winding up in private accounts at the very banks that provided the loans in the first place. Meanwhile, debt-service payments continue to drain scarce resources from Africa, cutting into funds available for public health and other needs. Controversially, the authors argue that African governments should repudiate these “odious debts” from which their people derived no benefit, and that the international community should assist in this effort.

A vital book for anyone interested in Africa, its future, and its relationship with the West.

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Now you can utilize the proven methods utilized by tax professionals to reduce tax liabilities and resolve problems with the IRS. This inside look at professional tax resolution strategies is written in plain language and includes step-by-step instructions for using the strategies. Tax Resolution Secrets is authored by one of the leading practitioners in the tax resolution industry today, and is a sought after trainer for teaching these strategies to other tax professionals.

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Why You Should Read This Book:

If you have debts and don’t know how you’ll get rid of them, this book is for you …
If creditors are calling you day and night to collect from you, and you don’t have a solution, this book is for you …
If you’ve wondered how long you’ll pay minimum payments, and if you’ll ever get out of debt, this book is for you …
If bankruptcy is starting to look like your only choice, this book is for you …

If you’d like to settle your debts, and wonder if you can do it yourself, this book is for you!

Inside you’ll find out how to work out a budget; how to figure out what your choices are, and decide on your best choice; you’ll get instructions on how to talk to your creditors; you’ll get negotiation insights that will help you get your best settlements with your creditors; you’ll even receive information about what to do in case you receive a lawsuit from one of your creditors (yes, that can happen, and you need to be prepared so you know what to do).

Many people have debts and need help. You might think you need to get a professional to help you negotiate with your creditors. You don’t! I owned a debt settlement company for years and I know most people can do this themselves. If you think you can, this book will show you how to settle your debts yourself.

I don’t hold back any secrets.

You can do it!

This book will show you how.

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A practical business cookbook on how to creatively collect debts from overdue customers using Asian and Western collection strategies. The author is an American living in Asia since 1995. Accounts receivables are most firms largest asset, and often it’s most unmanageable. This book shares ideas to improve your firm’s processes, people, and systems to reduce bad debts and increase sales and profits. A humorous, ‘how to’ book to put more money in your firm’s pocket while keeping you up-to-date in the field.

The prospect of 160 acres of free land enticed thousands of Norwegians to immigrate to America, with high hopes for a better, more prosperous life. Those who settled in North Dakota never expected they would need several times that amount of land, nor did they imagine the high costs involved in meeting the homestead requirements. This is a story of two families for whom the promise of America miscarried. As they reached a point of borrowing money to move their dream forward the depression hit, as did a drought on the prairie. But the family spirits never died, and the immigrants never wished to be elsewhere.

Reduce your debts, save your property — and start over!
Are you considering Chapter 13 bankruptcy? Use this plain-English guide to decide if Chapter 13 is right for you and to learn how to keep valuable property and discharge your unsecured debts.
Chapter 13 legal concepts, procedures, and monetary calculations can be tricky. Nolo’s Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law so you can:
. consider non bankruptcy alternatives
. decide which is better for you — Chapter 7 or Chapter 13
. determine if you qualify for Chapter 13
. understand bankruptcy’s automatic stay
. learn how Chapter 13 can help avoid foreclosure
. find out if you can reduce your car loan balance, or the balance on other secured debts
. determine if you can strip second mortgages or home equity lines from your home
. calculate (with forms and step-by-step instructions) whether you have enough income to propose a repayment plan that will meet legal requirements
. calculate the amount of your monthly plan payment
. find and work effectively with an excellent lawyer, and
. rebuild your credit after bankruptcy
This newest edition includes new information on hiring and working with a lawyer, recent U.S. Supreme Court and other federal court decisions interpreting bankruptcy law, the latest bankruptcy exemption laws in your state, and recent IRS standard expense amounts (which play a role in plan payments).
If you are considering or have decided to file Chapter 13 bankruptcy, Nolo’s Chapter 13 Bankruptcy is the essential guide you need to understand the procedures and law.
Please note: This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. For Chapter 7 bankruptcy, see Nolo’s  How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo’s Bankruptcy for Small Business Owners.

Bankruptcy in America, in stark contrast to its status in most other countries, typically signifies not a debtor’s last gasp but an opportunity to catch one’s breath and recoup. Why has the nation’s legal system evolved to allow both corporate and individual debtors greater control over their fate than imaginable elsewhere? Masterfully probing the political dynamics behind this question, David Skeel here provides the first complete account of the remarkable journey American bankruptcy law has taken from its beginnings in 1800, when Congress lifted the country’s first bankruptcy code right out of English law, to the present day.

Skeel shows that the confluence of three forces that emerged over many years–an organized creditor lobby, pro-debtor ideological currents, and an increasingly powerful bankruptcy bar–explains the distinctive contours of American bankruptcy law. Their interplay, he argues in clear, inviting prose, has seen efforts to legislate bankruptcy become a compelling battle royale between bankers and lawyers–one in which the bankers recently seem to have gained the upper hand. Skeel demonstrates, for example, that a fiercely divided bankruptcy commission and the 1994 Republican takeover of Congress have yielded the recent, ideologically charged battles over consumer bankruptcy.

The uniqueness of American bankruptcy has often been noted, but it has never been explained. As different as twenty-first century America is from the horse-and-buggy era origins of our bankruptcy laws, Skeel shows that the same political factors continue to shape our unique response to financial distress.

Meet Jack Irish, criminal lawyer, debt collector, football lover, turf watcher, trainee cabinetmaker, and one of the best crime characters ever created.

When Jack receives a puzzling message from a jailed ex-client he’s too deep in misery over his football team’s latest loss to take much notice. Next thing Jack knows, the ex-client’s dead and he’s been drawn into a life-threatening investigation involving high-level corruption, dark sexual secrets, shonky property deals, and murder. With hitmen after him, shady ex-policemen at every turn, and the body count rising, Jack needs to find out what’s going on—and fast.

The first novel in the iconic Jack Irish series, Bad Debts was first published in 1996 and won the Australia’s crime writing prize, the Ned Kelly Award, for Best First Novel. Peter Temple went on to win Australia’s highest literary honor, the Miles Franklin Award, in 2010 for Truth as well many other awards and accolades both in Australia and internationally.

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